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Default notices started arriving - sanity check and next steps..
Hi I stopped paying my non-priority debts 2-3 months ago following the advice on this page and have my stepchange DMP calculated but haven't engaged it yet. I've recently had default notices saying I need to take action by early September from Tesco, Paypal and Halifax. Still waiting to hear from MBNA, Updraft and…
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PRA Group
Hi all, started debt free journey around 6 months ago and have just started getting defaults. Barclaycard has been sold to PRA who have just written to me this week. The account is around 13 years old. Is now the time to request the CCA or should I wait longer? TIA for advice.
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Idem
Idem are chasing me for a debt with picture Loans which they purchased, idem say they don't have the original paperwork from picture only copies, my husband died, the house was in his name only, I'm not on the land registry nor is the debt on my credit report, idem have refused to engage with the financial ombudsman, they…
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HSBC - Default - 2 years later
Good afternoon, I’m a silent viewer and the forum has helped me so much over the last three years! I entered a DMP back in March of 2021 and all but one creditors had defaulted my accounts by august of 2021. HSBC where do I start the debt was for £6300 and reduced payments have been being payed via StepChange for 26 months…
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Re register of default
Hi all I was wondering if anyone can help with my query please I had a loan I took out from Future Finance of around £12000 when I was a student for which I defaulted in Jan 2019 My understanding was that in Jan 2025 the default will be removed from my credit file Around 2 years ago, I received a letter from Link Financial…
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Jacobs Bailiffs At my door
Please could I get some advice. I don’t need a telling off I’m tired and have heard it all. I just need help and advice. So I have been paying Jacobs monthly and this month my payment was 3 days late. The next thing is I now have bailiff calling me demanding full payment of which I don’t have that kind of money. I have…
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Affordability complaint
This discussion was created from comments split from: DMP mutual support thread part 13 !!.
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Debt reduction and Student Loan early repayments
I'm looking for some advice. Without giving too much detail, in my early years I didn't manage my money very well and racked up quite a bit of debt. Now I'm getting myself in order and paying it all off. It'll take a few years but the end is in sight. I've paid off small debts and consolidated my main into a loan. Not the…
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Mums DMP cancelled - intrum and Cabot
I have been trying to help my 71 year old mum with her debts since she became ill in January. She had been in a DMP for 7 years initially paying more but as income decreased paying £60 monthly off (now) £90,000 of debt.She only stopped working after being hospitalised in January. She lives in a property with £30k left of…
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Capquest/Resolvecall/Intrum issues
Hi All, could really do with a bit of advice on an old debt which has appeared from nowhere. I received two letters (one from Resolvecall and one from Intrum) stating i owe 'x' amount for a bank which i have not banked with in over 20 years! i am not aware of any debt and have never acknowledged the debt (certainly not had…
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Token payments or ignore for now?
Hello, Life has been challenging for myself for a long time now and this year I’ve put my head in the sand with my debts. My husband moved out for 6 weeks and household income reduced and I stopped paying my debts to prioritise paying for food ect. I haven’t got back in touch to sort it out and not sure what to do, none of…
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Moving to Spain with DMP
What will happen if I move to Spain and stop paying my DMP with PayPlan?
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Plan of action
Hi everyone, Just after opinions and some advice In regards to my current finances. I'm due to receive some inheritance shortly totalling around £38,000. This will enable me to clear the majority of my debts freeing up around £1100 per month. I will still have the following debts outstanding: Very £3205 - various items…
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Not paying for fuel and driving off
I am raging and mortified but also need some advice if I need to do anything more/faster! I found out today that my husband filled up the car at a petrol station a month ago and didn’t pay. I found out because the new tenant at my old address messaged me and said he had balliffs round! My address was wrong on the VC5 so I…
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Which balance to move to 0%
Hi all - could do with some advice on best way to tackle currrent cc debt please, so I don’t make any more errors and can try make some movement on payments/pay less interest. Debt summary:Barclaycard £9900 - paying interest 24%Virgin card 1 - £3115 - 0% promotion ends Jan 2025Virgin card 2 - £1112.50 0% promotion ends Jan…
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Nationwide unaffordable lending and ombudsman
Hi everyone My complaint to nationwide has been rejected and I am going to take it to the ombudsman. When I went on to log complaint yesterday it asked for a copy of the agreement. I don't have this, can I request this from Nationwide and how do I do this? The loan no longer shows on my nationwide account. Thanks
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PRA group woes
Long story short. PRA applied to county court for a debt just over 3k despite me contacting them for the cca on 1st July. I acknowledged and disputed claim as had asked for the cca. Received a letter from PRA saying they would supply the cca paperwork and intended to still go to court. No cca has been provided. And today I…
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Debt Management Plan. Where To Start
Hi All. I'm looking for some advice. I've got 44k worth of unsecured debt in the form of credit cards and loans. I'm struggling to keep up with the monthly payments at the moment. I haven't defaulted on any of the accounts as of yet. To which seven in total. I'm looking at getting a DMP but I really don't know where to…
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Debt Collector or Debt Purchaser?
Hello! I've been lurking on the MSE Debt-Free Wannabe forum for some time now.... here's my situation: In Dec 2022 I was unfortunately made redundant and it took 9 months for me to secure another role (I work in recruitment/HR so with reduced hiring, companies just didn't need someone like me). Anyway, I'd never missed a…
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Ongoing Default Saga With Lendable
Good morning, it’s been a year since I decided to start a self-managed DMP and stopped all payments waiting for defaults. In that time all creditors have defaulted except one, Lendable. I continued to pay them a small amount for a few months (as they threatened doorstep collectors..) but they didn’t stop interest making…
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